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Looking for a umbrella insurance agent in Troy? Review the directory below to compare your options.
12 agents listed
Updated May 2026
Troy, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 12 umbrella insurance agents in Troy, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Mick Butler - State Farm Insurance Agent
961 Hoosick Rd, Troy, NY 12180
(518) 237-6425
mickbutlerinsurance.com
Kelly McGrath - State Farm Insurance Agent
233 N Greenbush Rd, Troy, NY 12180
(518) 272-7000
mcgrathagency.com
Attanasio Agency, LLC
235 Pawling Ave, Troy, NY 12180
(518) 266-0311
attanasioagency.com
John Loughlin - State Farm Insurance Agent
160 Oakwood Ave, Troy, NY 12180
(518) 266-9965
johnloughlininsurance.com
Freeway Insurance
351 Broadway, Troy, NY 12180
(518) 520-0450
locations.freeway.com
Culnan Insurance Agency LLC
16C N Greenbush Rd, Troy, NY 12180
(518) 326-1191
culnanagency.com
Wm. J. Fagan & Sons, Inc
15 1st St, Troy, NY 12180
(518) 272-3471
faganandsons.com
Brundige Insurance Agency
8 Grange Rd, Troy, NY 12180
(518) 279-1940
frontageinsurance.com
Insurance Depot
639 Pawling Ave, Troy, NY 12180
(518) 279-1190
De Genero Insurance
225 N Greenbush Rd, Troy, NY 12180
(518) 283-1164
degeneroinsurance.com
Bright Line Insurance NY
615 Pawling Ave, Troy, NY 12180
(518) 394-1808
Schmidt Agency, Inc
321 Farm to Market Rd, Troy, NY 12180
(518) 283-2201
schmidtagency.com
Umbrella insurance provides an extra layer of liability protection beyond your standard auto and homeowners policies. In Troy, New York, this coverage can help safeguard your savings and future earnings against large claims or lawsuits. New York law requires minimum liability limits on auto policies, but an umbrella policy can extend that protection significantly.
What Does a Umbrella Insurance Agent in Troy Cost?
The cost of an umbrella insurance policy in New York typically ranges from 150 to 300 dollars per year for 1 million dollars in coverage. Additional coverage for higher limits may cost 50 to 100 dollars per million. Your actual premium depends on your risk profile, claims history, and the underlying insurance policies you hold. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance policy cover in New York?
An umbrella policy covers claims that exceed the limits of your underlying auto or home insurance. It typically includes personal injury liability, property damage, and certain lawsuits. In New York, it can also cover claims like libel or slander that are not covered by standard policies.
How much umbrella insurance do I need in Troy New York?
Most experts recommend at least 1 million dollars in umbrella coverage. The right amount depends on your assets, income, and risk factors. A local Troy agent can help you assess your specific situation and liability exposure.
Who needs an umbrella insurance policy in New York?
Anyone with significant assets, a high income, or a higher risk of being sued should consider umbrella insurance. This includes homeowners with pools, landlords, and professionals. New York courts can award large judgments, making extra liability coverage valuable.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.